Third-party liability
- Required by law
- As long as the registration is in your name
- Suspend the registration when not in use
Car insurance for the Volkswagen
Volkswagens are driven in the Netherlands in almost every kind of use, and with this make the premium question therefore lies less in the model than in what has been added to the car afterwards.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
This page in another language: Nederlands
The calculator and the quote form below are in Dutch. Prefer to do this in English? Email info@finassverzekert.nl or call 072 - 509 24 56 and we will take it from there.
Work out for yourself what it would cost.
Enter your details; you will receive a proposal within one working day.
- We compare the offerings of several insurers
- An adviser checks whether the cover suits your situation
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
- Independent advice
- Several insurers
- Switching arranged
- Help with claims
In brief
Few makes are modified after delivery as often. A towbar, an LPG system, roof bars, an adapted driver's position or a complete conversion into a motorhome are more common on a Volkswagen than average. Every change to the vehicle has to be known both in the vehicle register and to your insurer.
This is also the make where the dividing line between private, lease and business use is thinnest. The same body runs as a family car, as a lease car and as a commercial vehicle. For the heavy commercial versions there is a page of its own about the Volkswagen Crafter.
What works in your favour with this make is the availability of parts and the density of the repair network: repairs can therefore usually be arranged more quickly than with rarer makes. That changes nothing about the exclusions for wear and mechanical defects.
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We compare your car insurance across dozens of insurers, explain where the real differences lie, and arrange the switch from start to finish — without you having to chase it yourself.
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What does Volkswagen car insurance cover?
The structure of the cover in three parts, with an overview per situation below.
Third-party, fire and theft
Causes beyond your control.
- Fire and storm
- Theft
- Windscreen damage
Comprehensive
Including damage you cause yourself.
- Own fault
- Vandalism
- Replacement-as-new period
What is covered
| Situation | Third-party liability | Third-party, fire and theft | Comprehensive |
|---|---|---|---|
| Damage to the other party | Yes | Yes | Yes |
| Theft | No | Yes | Yes |
| Fire and storm | No | Yes | Yes |
| Damage you cause yourself | No | No | Yes |
| Wear and mechanical defects | No | No | No |
| Driving without a valid licence | No | No | No |
This overview is general in nature and is not personal advice. What is actually covered, including exclusions, limits and the excess, is set out in the policy conditions and the insurance card (verzekeringskaart) of the insurer; you receive both before you take out cover. Taking out cover without advice? Then read what execution only means for you.
What does your premium depend on?
- Trim level and engine. Within the same model range, power and weight determine which rating group the car falls into.
- List price with factory options. Comfort features, navigation and wheels ordered from the factory count in the value used for the calculation.
- Nature of use. Private use, commuting, leasing or business use leads to a different premium and sometimes a different type of policy.
- Fittings installed. A towbar, LPG system or conversion changes the risk profile and has to have been declared.
- Annual mileage. The number of kilometres a year declared, which is compared with the odometer reading when there is a claim.
- Cover, excess and where the car is kept. The type of cover, the excess chosen and the place where the car stands at night.
Insurers weigh these details differently. That is where your saving is.
How we arrange it
- You request a quoteWe take stock of your situation, your risk and your wishes.
- We compareseveral insurers, on premium as well as conditions.
- You receive a proposalWith an explanation of the differences and the exclusions.
- We arrange the switchIncluding cancellation, so there is no gap in cover.
Why arrange it through Finass Verzekert?
We look at the terms as well as the premium, and stay your point of contact when there is a claim.
Independent
We are not tied to one insurer and compare on the basis of an objective analysis of several companies.
One fixed adviser
You call or email someone who knows your file. No menu options, no changing call centres.
Switching without hassle
We cancel your old policy and align the start date, so you are never a day without cover.
Help with claims
We report the claim and monitor how it is handled. In urgent cases you can reach us on the emergency line.
9.5New policy
9.8Claims handling
Customers rate our service on four aspects: personal service, service delivery, availability and the outcome. The reviews are collected and published by NH1816 and come from customers who have actually taken out a policy with Finass Advies B.V. or reported a claim.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
Towbar, LPG system and roof bars
A towbar or LPG system fitted afterwards must be entered in the vehicle register and declared to the insurer. With an LPG system that is all the more important, because it changes the fire risk. An undeclared installation can cost you cover on a fire claim under Article 7:928 of the Dutch Civil Code. Roof bars, bike racks and the load on them are not themselves part of the own-damage cover.
From commercial van to motorhome
If a Transporter or Crafter is converted into a camper, not only the interior changes but also the vehicle category on the registration. As long as that change has not been carried through and declared to the insurer, you are driving with a policy that does not match the actual vehicle. The fit-out, the furniture and the camping equipment also fall outside an ordinary car insurance policy.
Leasing, company use and no-claims years
If you drive a lease car for years, you usually build up no no-claims years on that car for a policy of your own. If you later move to a car in your own name, you start at the bottom unless you produce a statement from the leasing company setting out your claims history. Request that statement before the lease contract ends. Afterwards it is hard to obtain.
Reporting a claim and the accident statement form
Report a claim as soon as reasonably possible: Article 7:941 of the Dutch Civil Code requires that, and late notification can cost you a payment where the insurer is thereby prejudiced. Complete the European accident statement form at the scene and do not sign an admission of fault; establishing liability is for the insurers. Always note the registration numbers and the details of witnesses.
Frequently asked questions
This is what people ask us most.
Do I have to declare a towbar fitted afterwards?
Yes. The towbar should appear in the vehicle register and your insurer should know about it. The towbar itself is usually insured within the accessories limit. What you tow with it is not: damage to the trailer or caravan itself calls for its own insurance, while damage you cause to other people with it falls under the third-party liability cover.
Do I build up no-claims years with a lease car?
Usually not for a policy of your own, because the insurance runs through the leasing company. So before the end of the contract, request a written statement about your claims history. Many insurers accept that statement as the basis for a more favourable starting step when you insure a car yourself afterwards. Without that paper you start at the bottom.
Is my LPG system insured as well?
Only if the installation appears on the registration, was fitted by an approved firm and has been declared to the insurer. An undeclared installation changes the fire risk on which the premium is based and can lead to a refusal when there is a claim. Ask for the installation certificate and keep it with your policy schedule.
I have converted my van into a camper; what now?
Have the vehicle category on the registration changed and report the conversion to your insurer. After that the vehicle belongs on motorhome insurance instead of a light commercial vehicle policy. The permanent fit-out can be insured there up to an agreed amount; loose camping equipment and household items fall outside it in principle.
Every situation is different. For these situations we have a separate page.
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Request a quote without obligation. We will look at which insurer best matches your activities and your risk.
Prefer to call? 072 - 509 24 56, weekdays 09:00–17:00.
Claim on the road? Emergency line 06 - 55 20 40 72.
About our service
Finass Verzekert is a trading name of Finass Advies B.V. We advise on and arrange non-life insurance on the basis of an objective analysis of several insurers, and receive commission for this from the insurer, which is included in the premium. You pay no separate advice fee. Before you take out cover, we establish your wishes and needs.
You will find our licence, KvK and Kifid details and our complaints procedure at the foot of every page.
This page was compiled by Finass Verzekert. Last updated on .
The information on this page is general in nature and is not personal advice.